CRA Statement

You have the right to know

Important information is available to you just by asking.


Under the Federal Community Reinvestment Act (CRA), the Comptroller of the Currency (OCC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The OCC also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the OCC; and comments received from the public relating to assessment area needs and opportunities, as well as our responses to those comments. You may review this information today by reviewing the public file which is available at 220 Palo Pinto Weatherford, Texas 76086.

You may also have access to the following additional information, which we will make available to you after you make a request to us: (1) A map showing the assessment area containing a select branch, which is the area in which the OCC evaluates our CRA performance for that particular community; (2) branch addresses and associated branch facilities and hours in any assessment area: (3) a list of services we provide at those locations; (4) our most recent rating in the assessment area; and (5) copies of all written comments received by us that specifically relate to the needs and opportunities of a given assessment area, and any responses we have made to those comments. If we are operating under an approved strategic plan, you may also have access to a copy of the plan.

At least 30 days before the beginning of each quarter, the OCC publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the Deputy Comptroller 500 North Akard Street, Suite 1600, Dallas, Texas, 75201 or at CRACOMMENT@OCC.TREAS.GOV. You may send written comments regarding the needs and opportunities of any of the bank’s assessment area(s) to First Bank Texas Attn: Darbi Sanders, Chief Risk & Compliance Officer at 1849 South First Street, Abilene, Texas 79602, or email and Deputy Comptroller 500 North Akard Street, Suite 1600, Dallas, Texas, 75201 or email at CRACOMMENT@OCC.TREAS.GOV. Your comments, together with any response by us, will be considered by the Comptroller in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the Deputy Comptroller. You may also request from the Deputy Comptroller an announcement of our applications covered by the CRA filed with the Comptroller. We are an affiliate of First Baird Bancshares, Inc., a bank holding company. You may request from the Inspector General, Federal Reserve Bank of Dallas P.O. Box 655906 Dallas, Texas 75265-5906 an announcement of applications covered by the CRA filed by banks holding companies